| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS | 710 31ST AVENUE SW MINOT, ND 58701 | SANFORD HEALTH PLAN | $18K | $0 | $18K | 1.79% |
| ANDREA MCNICHOLS AND VAR. AGENTS3 | 1801 35TH AVENUE SE MINOT, ND 58701 | AFLAC | $3K | $0 | $3K | 3.59% |
| LOARD AGENCY INC3 | 1520 69TH STREET NW MINOT, ND 58703 | AFLAC | $2K | $0 | $2K | 2.00% |
| LEANNE R PETERSON3 Filed as: LEANNE PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $1K | $0 | $1K | 1.68% |
| MAK AGENCY INC3 | 1821 TAMMY DRIVE MINOT, ND 58701 | AFLAC | $1K | $0 | $1K | 1.62% |
| JANEL FUCHS3 | 516 7TH AVENUE SE MINOT, ND 58701 | AFLAC | $1K | $0 | $1K | 1.45% |
| GENEIL M VEDAA3 Filed as: GENEIL VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $963 | $0 | $963 | 1.22% |
| KIMBERLY J WELSTAD3 Filed as: KIMBERLY WELSTAD | 1513 COOK DRIVE MINOT, ND 58701 | AFLAC | $591 | $0 | $591 | 0.75% |
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS | 710 31ST AVENUE SW MINOT, ND 58701 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $932 | $6K | 11.38% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS | 710 31ST AVENUE SW MINOT, ND 58701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $505 | $6K | 16.49% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 169 | $999K |
| Dental(2 contracts, 2 carriers) | AFLAC | 95 | $129K |
| Vision(2 contracts, 2 carriers) | AFLAC | 95 | $129K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 160 | $113K |
| Short-term disability | AFLAC | 61 | $79K |
| Prescription drug | SANFORD HEALTH PLAN | 169 | $999K |
| Other(3 contracts, 3 carriers) | SANFORD HEALTH PLAN | 169 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.